Let \( a_{1}, a_{2}, \ldots, a_{21} \) be an AP such that \( \displaystyle \sum_{n=1}^{20} \frac{1}{a_{n} a_{n+1}} = \frac{4}{9} \). If the sum of this AP is \( 189 \), then \( a_{6} \cdot a_{16} \) is equal to:
\( 48 \)
\( 72 \)
\( 57 \)
\( 36 \)